{"what_this_is":"The machine-readable twin of the BankPulse page for one RBI rulebook. Same points, same dates, same paragraph references as the page a person reads. RBI's own wording is not reproduced here: each point names the RBI paragraph, the character offset into the text BankPulse read and the sha256 of that text, so the claim can be checked against RBI's own document.","schema_version":1,"release_id":"d653cdb0a5","generated_at":"2026-09-15T00:33:59.117975+00:00","id":"md13167","title":"Reserve Bank of India (Setting Up of Wholly Owned Subsidiaries by Foreign Banks) Guidelines, 2025 (Updated as on April 1, 2026)","document_kind":"Regulatory document","page":"https://bankpulse.ai/rule/md13167","status":"In force","importance":{"code":"FYI","label":"FOR INFORMATION","weight":"For information","why":"General RBI update: no desk rule matched — read the source if it touches your work","layer":"bankpulse_inference"},"applies_to":{"shown":"Foreign banks operating in India","class_code":"ALL","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13167","mode":"four_dates_v1","published":{"label":"Published","value":"November 28, 2025","stated":true,"why":"The day RBI put this document out."},"effective":{"label":"Starts to apply","value":"","stated":false,"why":"Not stated separately in this document. Read the rule itself before you assume a start date."},"transition":{"label":"Time to get ready","value":"","stated":false,"why":"Cannot be worked out until the day it starts to apply is known."},"deadline":{"label":"Last date to act","value":"","stated":false,"why":"No date to act by was found in this document. Other dates may sit inside single paragraphs."},"sources":{"published":"doc_date in data/highlights/md13167.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13167","document_date":"November 28, 2025","read_by_bankpulse":"2026-08-21 16:15:51 UTC","text_sha256":"18758d4d1f19b201c3f0e58679a23e37c8dcd193584f2a52cb97e8ad754fbeb9","word_count":null,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":29,"points_naming_an_rbi_paragraph":29,"points_stored":29,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13167-78a46d30","page_group":"Must know","stored_section":"WHAT CHANGES","heading":"20 percent system cap","plain_english":"New foreign bank subsidiaries face limits once foreign banks hold over 20% of banking system capital.","rbi_paragraph":"Para 4(2)","rbi_char_offset":10698,"weight":"MUST KNOW","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13167#p1","layer":"bankpulse"},{"n":2,"claim":"md13167-2abddd72","page_group":"Must know","stored_section":"WHAT CHANGES","heading":"₹500 crore capital floor","plain_english":"A new bank subsidiary must start with at least ₹500 crore in paid-up capital.","rbi_paragraph":"Para 5(1)","rbi_char_offset":11405,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A foreign bank plans a wholly owned subsidiary in India. The minimum paid-up voting equity capital is Rs 500 crore. 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